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Cohabitation Before Marriage essay help free Mathematics coursework help

The practice of cohabitating before marriage is becoming increasingly common in our society, especially among the youth. Discuss the advantages and disadvantages for young people who decide to do this. Many people wonder whether or not they should live together before getting married. There are many different views when it comes to this question and some of them lie in religion, ethics or realism. Nonetheless, like everything in this life, there are two sides of a problem.

Hence, the advantages and disadvantages of cohabitation will be discussed in depth as follows: The first and foremost reason is that living together before marriage is a good way for people to find out whether they would be compatible marriage partners. Knowing the partner is not the same as living with him or her. Dating just from time to time, partners are on their best behaviour, they avoid confrontation because they are eager to have someone love them and insecure in the temporary relationship.

Moreover, this super nice behaviour may partly account for the radical changes in behaviour, personality and attitudes (almost always for worse) that sometimes occurs shortly after marriage. In addition, shacking up with somebody is a total different experience. People can get the full picture about who they are. If both partners are not ready yet for marriage but want a steady partner, living together offers obvious advantages. It can be real life learning experience of loving and adjusting on equal terms with another person.

It is just one of many possible “tests” for a potential partner. The best predictor of good marriage is a long, relatively smooth relationship, in which wide variety of problems and successes are experienced. Living together measures the couple’s strengths and weaknesses in such areas as; communication, personality, expectations, leisure activities, conflict resolutions, financial management, parenting etc… Cohabitation provides a great opportunity for couples to get to know each other better, learn communication, decision-making, prepare for marriage and prevent future problems.

On the other hand, cohabitation are often criticized by the old generation. Many times, a couple who lives together before becoming married can upset their families or friends who have strict religious beliefs. If these families or friends are the soon-to-be bride or groom’s parents, this can create a rift in the family which can be difficult to repair. However, some families are fine with a situation like this. Think of how your family or your partner’s family would feel about the situation before doing anything and decide how it will affect the family relationship.

Another disadvantage of living together before marriage is that you lose the excitement and thrill the ‘honeymoon’ will bring. When you have already lived with someone and gotten to know their actions and habits, the time after the wedding will not be as exciting. However, this is not always a bad thing. If losing the excitement before you’re even married frightens you, you may not want to live together before marriage. No one can insure that it is better or not to live with someone before getting married him or her. Do what is good for you and be responsible for everything you made.

FINC 330 Project Descriptions_Research Project _Bond and Stock Analysis1

FINC 330 Project Descriptions_Research Project _Bond and Stock Analysis1.

Using the information from the websites the student will develop evaluation of bond and stock performance for THE COMPANY (SELECTED BY INSTRUCTOR). (The evaluation portion will total 85% of the assignment grade) -1—Background and Industry (one short paragraph). -2- The financial leverage ratios (10% of the project grade) a) Find the financial leverage ratios for THE COMPANY assigned for you of the project for the last 3-5 years in the Internet. Present these ratios as the table(s) in your project. • Debt-to-assets ratio (Debt ratio) • Debt-to Equity ratio • Interest Coverage ratio (the Times Interest Earned) b) Write (about) 1 page of the analysis of the ratio results. In your analysis you should answer the following questions. Please explain your answer to each question. How is THE COMPANY financing its assets? Discuss how much risk is associated with the bonds issued by the company? How can this risk be measured? Please explain. -3- Collect and evaluate the data about bond performance of the assigned company. (15% of the project grade). The information on bonds can be found on the website BondCenter/Default.jsp. To find the information on bonds, click on Search in the middle of the screen (under Market Center Bond Guide), under Quick Search type the Issuer Name and the Symbol, and click SHOW RESULTS. Another useful website on bond information is To find the information on bonds, scroll down the page, type the name of the company in the window under Bond Finder, and click SEARCH. Copy the quotations of two bonds issued by THE COMPANY (SELECTED BY INSTRUCTOR) that contain the Price. Present these quotations in your project. 1. Assume that par value of the bond is $1,000. What were the last prices of the bonds in $$ $ (listed in the Price column)? Show your work in your project. 2. Assume that par value of the bond is $1,000. Calculate the annual coupon interest payments. Show your work in your project. 3. Assume that par value of the bond is $1,000. Calculate the current yield of the bonds. Show your work in your project. 4. Write a 1-2 page of the analysis of the bonds.

In your analysis you should answer the following questions. Please explain your answer to each question. a) How much is the YTM listed in quotations is for the bonds? Explain the meaning of YTM? b) If you are going to buy a bond issued by THE COMPANY, which bond would you choose? Why? c) Are these bonds callable? If the bonds that you chose are callable (non-callable), will it change your decision to buy them? d) If you are an investor who is looking for a bond to invest in, are you going to buy a bond that you chose? Take a look at the balance sheet and income statement of the company. What data or ratios support your decision to buy this bond or not? You may want to incorporate the results of the Research Project Part 1, as well as the results of the financial leverage ratios to answer this question. You should develop a specific recommendation, with supporting rationale to explain your answer. -4- Collect and evaluate the data about stock performance of the assigned company for the last one year. (totally 35% of the project grade). 1) Find the market ratios for the company for the last 1-3 years and its major competitor for the last year in the Internet. (10% of the project grade) a. Present the market ratios as the table(s) in your project. b. Write about 1 page of analysis of the market ratio results that you found. Compare the market ratio results against the industry or main competitor. In your report please answer the question: Are the common stockholders receiving an adequate return on their investment? c. Compare the P/E ratio of your company with the industry average or 5-year average. Is the stock overvalued, undervalued, or properly valued? Why? In accordance with your findings, is it reasonable to buy the stock? Please explain your answers. -2) Analysis of the historical stock prices trend for the last year. (10% of the project grade) a. Collect and evaluate the data about stock prices of the assigned company for the last one year for the company and its major competitor. 

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